The top-rated disability insurance agent in Elizabeth, New Jersey is Cuartas Insurance Agency, rated 4.9 stars across 570 reviews. Other highly rated options include UPIX INSURANCE, Angel Rodriguez - State Farm Insurance Agent, Zenith Agency LLC. This directory lists 18 disability insurance agents serving Elizabeth.
Comparison
| # | Name | Address | Phone |
|---|---|---|---|
| 1 | Cuartas Insurance Agency | 34 Rankin St | (908) 764-0271 |
| 2 | UPIX INSURANCE | 729 Edgar Rd | (908) 845-7722 |
| 3 | Angel Rodriguez - State Farm Insurance Agent | 902 2nd Ave | (908) 469-1432 |
| 4 | Zenith Agency LLC | 1000 Elizabeth Ave suite b | (908) 355-0070 |
| 5 | Dave Carrubba - State Farm Insurance Agent | 321 Rahway Ave | (908) 662-3300 |
| 6 | InsureOne Insurance | 1089 Elizabeth Ave #7 | (908) 452-7032 |
| 7 | RCX Insurance Agency | 847 E Jersey St | (908) 355-0111 |
| 8 | New Century Insurance Agency Brokerage | 443 Elizabeth Ave | (908) 576-6821 |
| 9 | MEDICARE ADVISORS INSURANCE GROUP LLC | 3 Broad St | (877) 255-0284 |
| 10 | Global Insurance Agency | 514 Westfield Ave #1 | (908) 469-8441 |
Cuartas Insurance Agency serves clients in the Elizabeth, New Jersey metro area as a disability insurance agent. It helps individuals and professionals secure income protection coverage designed to replace a portion of earnings if an illness or injury prevents them from working. The agency also advises on policy terms, benefit periods, and elimination periods to match each client’s financial situation. Its services include arranging long-term disability insurance plans and short-term disability insurance policies for local workers.
UPIX INSURANCE provides disability insurance agent services to clients in the Elizabeth, New Jersey area, helping individuals secure income protection coverage for unforeseen circumstances. Its service offerings include policy reviews and assistance with claims filing, along with annual plan maintenance to ensure coverage remains aligned with changing personal needs. This ongoing support helps clients adjust their policies after life events such as marriage, childbirth, or career changes. The company services single-family homes, apartments, retail businesses, and restaurants.
Angel Rodriguez - State Farm Insurance Agent serves homeowners, businesses, and property managers in Elizabeth, New Jersey, by offering disability insurance policies that help protect income if an injury or illness prevents work. The agency guides clients through policy options to ensure coverage aligns with their personal or business needs. Regular reviews are available to update plans as circumstances change. Its office also provides services to clients in nearby Newark, extending support across the broader Essex County metro area.
For a single policy purchase, service is often a one-time event, while ongoing needs like reviews or claims assistance require repeated attention. As a disability insurance agent in Elizabeth, NJ, Zenith Agency LLC helps clients evaluate coverage options that replace income if an illness or injury prevents work. The agent explains policy features and coordinates with insurers to match individual needs. Service is provided on a scheduled, as-needed, or one-time basis depending on whether the client requires ongoing support or a single transaction.
As a disability insurance agent in Elizabeth, NJ, and the surrounding communities of Union County, Dave Carrubba - State Farm Insurance Agent assists clients with protecting their income during extended illness or injury. The office guides individuals through policy options that can replace a portion of lost wages. It handles the enrollment and claims process by carefully explaining policy details and the necessary documentation for a job stoppage due to a disability.
As a disability insurance agent in Elizabeth, New Jersey, InsureOne Insurance specializes in helping clients secure income protection policies that replace a portion of their earnings if an illness or injury prevents them from working. The company guides individuals and local businesses through the process of evaluating different plan options and benefit terms tailored to their specific occupations. An ongoing concern it addresses is helping workers plan for coverage ahead of seasonal employment shifts or temporary contract changes that might affect their eligibility.
In the competitive job market of Elizabeth, NJ, an unexpected illness or injury can suddenly threaten a household’s financial stability. RCX Insurance Agency helps local professionals secure disability coverage that replaces a portion of lost income during recovery. This protection ensures that mortgage payments and other essential bills are met even when work is impossible. The agency emphasizes understanding each client’s occupation and daily duties to tailor a realistic benefit structure. Before finalizing any policy details, an agent conducts a thorough review of current earnings and benefit expectations.
New Century Insurance Agency Brokerage assists residents and employers in the Elizabeth, New Jersey area with income protection planning. As a dedicated disability insurance agent, it focuses specifically on policies that replace a portion of earned income if injury or illness prevents work. The firm helps evaluate short-term and long-term coverage options tailored to individual financial needs. Services can extend to local commercial sectors ranging from offices to warehouses and food service establishments.
MEDICARE ADVISORS INSURANCE GROUP LLC is known for representing multiple disability insurance carriers to serve clients in Elizabeth, NJ. The agency helps individuals find policies that replace a portion of income if illness or injury prevents work. It assists with both short-term and long-term disability coverage options. Services include comparing policy terms, explaining elimination periods, and guiding applicants through underwriting requirements. As an added specialty, the firm can also arrange optional riders for partial disability or cost-of-living adjustments on new policies.
Global Insurance Agency in Elizabeth, New Jersey provides residential disability insurance services to protect local homeowners against income loss from injury or illness. The agency also handles commercial disability coverage for small businesses throughout the Elizabeth area. Agents work with clients to understand individual needs and policy options. After an initial application is placed, the agency provides follow-up service between regular visits to update coverage as circumstances change or to answer questions about existing policies.
What Does a a Disability Insurance Agent in Elizabeth Cost?
Disability insurance premiums in New Jersey typically range from 1% to 3% of your annual income. For a 35 year old in Elizabeth earning $60,000 per year, a policy might cost between $600 and $1,800 annually. Costs vary based on age, health, occupation, and benefit terms. This is general information and not insurance advice.
About disability insurance agents in Elizabeth
Disability insurance agents in Elizabeth New Jersey help residents and workers secure income protection policies. New Jersey state law requires employers to provide Temporary Disability Insurance through the state program, but private agents can help you find supplemental coverage. Working with a local agent ensures you understand how state benefits interact with private policies.
Frequently Asked Questions
What does a disability insurance agent in Elizabeth do?
A disability insurance agent helps you compare policies from different carriers. They explain policy terms, exclusions, and benefit amounts. In New Jersey, agents must be licensed by the state Department of Banking and Insurance.
How is New Jersey disability insurance different from private coverage?
New Jersey offers a state-run Temporary Disability Insurance program that provides partial wage replacement for up to 26 weeks. A private disability insurance agent can help you buy a policy that covers longer periods or higher benefit amounts. Private policies often have different definitions of disability.
Do I need a disability insurance agent if I already have employer coverage?
Employer coverage may not be enough. Group policies often have limits on benefit duration and amount. An agent can help you assess gaps and recommend an individual policy to supplement your existing coverage.
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